Cash-out refinancing lenders in Minnehaha County
685 cash-out refinancing mortgages were made in Minnehaha County, South Dakota, in 2025, by 88 lenders. The median rate their borrowers got was 7.500% on a median loan of $125,000. Of 869 decisions, 170 were denials — 19.6%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Levo Federal Credit Union | 255 | 7.500% | $75,000 | 0.8% |
| Rocket Mortgage, LLC | 93 | 8.500% | $105,000 | 15.8% |
| VOYAGE FEDERAL CREDIT UNION | 31 | Not published | $65,000 | 17.5% |
| U.S. Bank National Association | 28 | 8.325% | $110,000 | 6.7% |
| Plains Commerce Bank | 27 | 6.500% | $245,000 | 22.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 19 | 6.124% | $195,000 | 33.3% |
| First International Bank & Trust | 18 | 6.813% | $270,000 | 5.0% |
| First PREMIER Bank | 16 | 6.188% | $210,000 | 44.8% |
| The First National Bank in Sioux Falls | 14 | Not published | $120,000 | 0.0% |
| Wells Fargo Bank, National Association | 12 | 6.813% | $240,000 | 7.7% |
| Central Bank | 11 | 7.500% | $115,000 | 0.0% |
| NEWREZ LLC | 10 | 7.500% | $195,000 | 45.0% |
| CU MORTGAGE DIRECT, LLC | 10 | 6.063% | $170,000 | 16.7% |
| BLACK HILLS FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 10.0% |
| FREEDOM MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 40.0% |
| American Bank & Trust | 8 | Under 10 loans | Under 10 loans | 20.0% |
| First Dakota National Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| PENNYMAC LOAN SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| CORTRUST MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 82.1% |
| NEW DAY FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 54.6% |
| Loandepot.Com, LLC | 5 | Under 10 loans | Under 10 loans | 53.3% |
| Fairway Independent Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 16.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| The Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank & Trust | 4 | Under 10 loans | Under 10 loans | 33.3% |
| BLUESTONE FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Broker Solutions, Inc. | 3 | Under 10 loans | Under 10 loans | 57.1% |
| Reliabank Dakota | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 40.0% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 50.0% |
| LAKEVIEW LOAN SERVICING, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Dacotah Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SERVICE FIRST FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 1 | Under 10 loans | Under 10 loans | 88.9% |
| Minnwest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Navy Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BANKWEST, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| JPMorgan Chase Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Arvest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank Southwest | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| IOWA BANKERS MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| READYCAP COMMERCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WEST GATE BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RANLIFE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Citizens Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| First Interstate Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 0 | Under 10 loans | Under 10 loans | 66.7% |
| CMG MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| GUILD MORTGAGE COMPANY | 0 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Armed Forces Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| ARBOR REALTY TRUST, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Servion, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| OCMBC, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Elements Financial Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Luminate Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Baxter Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| PHH Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| First Federal Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| PLAZA HOME MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| DEEPHAVEN MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Truist Bank | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.